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Time to change
cash to cards?
Lars Nyberg, Nordic Card Markets 20 January 2010
The value of card transactions passed cash
transactions several years ago
Card transactions in payment terminals and withdrawals from ATMs, 1998-2008
500
450
400
Billion SEK
350
300
ATMs, transaction value
250
Point of sale, transaction value
200
150
100
50
0
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
Source: The Riksbank (The Swedish Financial Market, 2009)
Small differences between the Nordic countries
Card and cash transactions in commerce in the Nordic countries, 2009
100%
90%
80%
70%
60%
Cash payments, transaction value
50%
Card payments, transaction value
40%
30%
20%
10%
0%
Sweden
Denmark
Finland
Norway
Source: The Swedish Trade Federation, Danmarks Nationalbank, Norges Bank, Bank of Finland
Convenience is highly valued
Number of individuals choosing a means of payment on the basis of security and convenience,
respectively
100%
90%
80%
70%
60%
It's safe
50%
It's convenient
40%
30%
20%
10%
0%
Below SEK 100
SEK 100 to SEK 500
Above SEK 500
Source: The Riksbank (survey conducted 2009)
Cash is king below SEK 100 (EUR 10), cards
predominate above SEK 100
Usage of different means of payments for different purchase amounts
Above SEK 500
Debit Cards
Credit Cards
SEK 100 to SEK 500
Cash
Other
Below SEK 100
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Source: The Riksbank (survey conducted 2009)
Costs and payment habits
The economic cut-off point between cash and cards (SEK 70), and the corresponding cut-off
point for the average consumer (SEK123) has probably decreased somewhat
140
120
SEK 123
100
SEK
80
When people switch to cards (2006)
SEK 70
When they should have switched to cards,
given cost (2002)
60
40
20
0
1
Source: The Riksbank (cost surveys conducted 2002, 2006)
Most issuer-reported Visa card fraud in Sweden
is counterfeit fraud
Different types of card fraud, whole year 2008
60%
50%
40%
30%
20%
10%
0%
Counterfeit fraud
Card not present fraud
Stolen cards
Other
Source: www.visa.se
The huge growth of M-PESA
Growth of subscribers and agents for the Kenyan mobile payments system M-PESA, April 2007
to July 2009
Source: www.telco2.net
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